• Ransom is reimbursed.
• Expert help negotiating with kidnappers.
• Lost revenue and expenses covered.
• Security protection.
• 24 hour emergency helpline.
• Death and disability insurance.

Kidnap and ransom insurance reimburses the costs associated with kidnap or extortion situations. The ransom is usually paid and the insurance restores your financial position afterwards.

It will also cover the following:

-   Experts to help with negotiations.
-   Lost revenue including rest and rehabilitation expenses for the individual.
-   Expense of security to protect the family/business.
-   A 24 hour emergency helpline.
-   Death and disability insurance

Most kidnappings and extortion attempts are carried out to get a ransom. Some are politically motivated, but tend to be limited to war and post conflict areas like Afghanistan and Iraq.